The role of professional services in navigating the complex payments landscape
23 / 05 / 2025
The payments industry is at a turning point. Technology is advancing, regulations are tightening, and businesses are grappling with the complexities of operating across global and local markets. As a result, payment operations have become more challenging than ever. Plug-and-play solutions alone are no longer sufficient; businesses need expert partners who can address real payment challenges and deliver measurable results.
At Worldline, the Professional Services team part of Consulting Services, is specifically built for this task. We work hand-in-hand with global businesses to build solutions that address both customer-specific and industry-wide challenges. By deploying tailored strategies, we help optimise payment performance, reduce friction, and unlock new revenue opportunities. We also take a hands-on approach to launching pilot programs that support the successful rollout of new products, ensuring that innovations deliver real-world value from day one.
Crucially, our team serves as the bridge between market demands and product development teams. We bring insights from the field directly into the design and improvement of payment solutions, ensuring that every innovation is shaped by real customer needs and market realities.
In this blog, we’ll explore how our the Professional Services team empowers businesses to navigate complexity, unlock efficiencies, and achieve lasting success in today’s dynamic payments landscape—services that fall under our Professional Services offering.
Key Service: Enhancing Customer Payment Journeys
The main advantage of working with Worldline is our ability to remove friction from the customer payment experience. A seamless checkout process is crucial, as inefficiencies at this stage can frustrate customers and lead to cart abandonment.
We pinpoint issues in the payment process, such as lengthy forms or insufficient payment options, and implement solutions. Features like tokenisation and one-click payment make transactions more convenient, while optimised 3DS (Three-Domain Secure) authentication decreases the likelihood of payment failures, and accelerating merchants sales conversion.
Key Service: Catering to Global Audiences
For companies serving an international market, offering region-specific payment methods is essential. We ensure that businesses can tailor payment options to their local markets. Whether enabling Sofort in Germany or offering Alipay in Asia, localisation fosters trust and provides a smoother user experience.
Example in Action:
For a gaming merchant with a large number of users the company was offering only cards. By leveraging our deep access to payment transaction data and consumer behaviour analytics across regions, we identified a local payment method called Pix which is preferred by Brazilian gamers. This resulted in an conversion rate increase of around 5 percent in the Brazilian market.
Key Service: Bolstering Security Throughout the Payment Process
Secure systems are non-negotiable when it comes to customer payments. Failing to meet security expectations can tarnish a business’s reputation. Our team implements enhanced security measures, ensuring adherence to global standards like PCI-DSS and PSD2/PSD3 regulations. Advanced fraud detection, real-time updates, and secure authentication processes provide customers with reliable and safe payment experiences, building confidence and trust.
Example in Action:
An airline operating across Europe faced unusually high rejection rates when Belgian consumers attempted to book flights on their website. Through detailed data analysis, our team identified a 3DS mis-presentment issue: Belgian customers could not complete authentication because the airline website failed to enable webview redirects to bank apps. By diagnosing this problem and guiding the customer through a simple but critical technical fix, we significantly increased the authorisation rate for Belgian transactions.
Key Service: Meeting Regulatory Compliance
Keeping up with complex global regulations is a persistent challenge for businesses. We ensure organisations not only meet these requirements but are also able to integrate robust compliance procedures into their payment strategies, reducing risks and potential regulatory penalties.
Example in Action:
French issuing banks have implemented stricter regulations regarding Strong Customer Authentication (SCA) exemptions, particularly those requested directly during the authorization phase. To avoid consumers disruption, our customers were advised to review their payment processing systems and ensure they are sending exemption through 3DS rail.
Key Service: Driving Growth Through Conversion Rate Optimisation
Approximately 72% of failed transactions result from issues such as authentication errors or outdated card details. We analyse trends in failed payments and deploy methods such as A/B testing, optimised retry processes, and customer education to enhance approval rates.
Example in Action:
A global education and eBooks publisher experienced a sudden drop in authorisation rates with certain Australian issuer banks. Within 24 hours, our team identified the cause: issuer banks had started enforcing mandatory 3DS for all transactions. We rapidly enabled 3DS for all Australian accounts processed through our platform, restoring the customer's acceptance rates to previous levels.
Key service: Generating Revenue Growth
Minimising failed payments and improving the overall payment experience allows businesses to capture more revenue opportunities. Simplifying post-purchase processes or offering tailored local payment methods can generate an immediate increase in sales.
Key Service: Unlocking Cost Efficiencies
High fees, non-compliance penalties, and inefficient payment processes can severely impact profitability. Using in-depth analytics, our team identifies areas where costs can be reduced, such as by mitigating inefficiencies or optimising payment flows.
By implementing effective payment orchestration strategies, we help businesses cut unnecessary expenses while improving reliability and transaction speeds.
Example in Action:
Leveraging the data access and our knowledge about market best practices, our team managed to unlock many opportunities to reduce processing cost for several of our top airlines by delivering an optimized/domestic processing service following the schemes regulations. This resulted in reducing the interchange and scheme fees.
Key Service: Leveraging Data for Strategic Decisions
Data analysis is key to identifying inefficiencies and developing strategies for improvement. Our team provides actionable insights rooted in data, assisting businesses in making informed decisions. Whether it’s evaluating payment preferences in regional markets or enhancing the performance of new payment schemes, data empowers organisations to maintain a competitive edge.
Key Service: Empowering Enterprise Growth Through Our Expertise
Every business faces unique challenges within the payments landscape. Our team offers tailored solutions that meet these specific needs, from PCI-compliant server-to-server integrations to subscription-based payment models. These customised strategies enable businesses to stay competitive and agile.
The Road Ahead with Worldline Professional Services
Professional Services is no longer just an added benefit — it is a strategic driver of business success. Whether optimising payment performance, navigating regulatory complexity, or enhancing customer journeys, every action taken by our consultants has a direct impact on revenue, customer trust, and operational efficiency.
By combining deep industry knowledge, tailored strategies, and actionable insights, our team empowers businesses to solve complex payment challenges and unlock sustainable growth. Companies that invest in expert consulting support position themselves to thrive in a competitive payments landscape, meet evolving market demands, and deliver exceptional experiences to customers worldwide.
Ready to Enhance Your Payment Strategy?
Optimising payment performance is essential for staying competitive in today’s global e-commerce market. Whether you’re looking to improve customer experience, enhance security, boost conversion rates, or cut operational costs, Worldline’s Consulting Services can guide you every step of the way.
If you interested in understanding more about Consulting Services contact me directly or find out more on our webpage.
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